SoFi Invest margin rates
SoFi Invest charges 8.50% a year on a $100,000 margin loan and 9.75% on $25,000, according to its published schedule, dated October 1, 2026 (fee schedule). At $100,000 that is 6th lowest of the 14 brokers we compare.
- On $25,000
- 9.75%$2,438 a year · 7th lowest of 14
- On $100,000
- 8.50%$8,500 a year · 6th lowest of 14
- On $500,000
- 7.00%$35,000 a year · 6th lowest of 10
The full schedule
| Debit balance | Annual rate |
|---|---|
| $0 to $50,000 | 9.750% |
| $50,000 to $100,000 | 9.000% |
| $100,000 to $200,000 | 8.500% |
| $200,000 to $500,000 | 7.500% |
| $500,000 to $1,000,000 | 7.000% |
| $1,000,000 to $10,000,000 | 6.000% |
| $10,000,000 and up | 5.000% |
The rate for the tier your balance falls in applies to the whole balance.
Source
SoFi Invest margin rates page: "SoFi Standard Pricing Fee Schedule - last updated 10/1/2026". Schedule date: October 1, 2026 (fee schedule). Checked 2026-10-24. Rates change without notice; the broker's own disclosure governs.
What will borrowing cost?
Published rates, simple interest